> ## Documentation Index > Fetch the complete documentation index at: https://docs.stablepayfi.ai/llms.txt > Use this file to discover all available pages before exploring further. # Retrieve pending settlement balances > Query pending settlement book balances aggregated by currency for the merchant associated with the current API Key. No merchant_id is required; the response contains only balances and as_of, without merchant_id. The currency amount field is `amount`. This is an independent merchant-level aggregate, unrelated to `account_no`; do not add it to each account’s `total_amount`. The current version aggregates the total balances of internal pending settlement accounts, including frozen amounts. It must not be interpreted as an available pending settlement amount after deducting frozen or reserved funds. Authentication follows the [common authentication specification](/en/api/getting-started). Do not pass `merchant_id` or `X-Merchant-Id`; the server only queries data for the merchant associated with the current API Key. No request body is required. Amount examples are fictional and use the smallest ledger unit. ## OpenAPI ````yaml /en/api/global-accounts.openapi.json get /api/v1/pending_settlement_balance openapi: 3.1.0 info: title: StablePay Global Accounts API version: '2026-09-29' summary: >- List global accounts, retrieve an individual account, and query merchant pending settlement balances. description: >- Read-only queries for global accounts and pending settlement balances. Authentication follows the common StablePay authentication specification. This specification describes the current production implementation; examples use fictional data. servers: - url: https://api.stablepay.co description: Production security: - bearerAuth: [] stablepayTimestamp: [] stablepayNonce: [] stablepaySignature: [] tags: - name: Global Accounts description: Read-only account and balance queries. No fund operations are provided. paths: /api/v1/pending_settlement_balance: get: tags: - Global Accounts summary: Retrieve pending settlement balances description: >- Query pending settlement book balances aggregated by currency for the merchant associated with the current API Key. No merchant_id is required; the response contains only balances and as_of, without merchant_id. The currency amount field is `amount`. This is an independent merchant-level aggregate, unrelated to `account_no`; do not add it to each account’s `total_amount`. The current version aggregates the total balances of internal pending settlement accounts, including frozen amounts. It must not be interpreted as an available pending settlement amount after deducting frozen or reserved funds. Authentication follows the [common authentication specification](/en/api/getting-started). Do not pass `merchant_id` or `X-Merchant-Id`; the server only queries data for the merchant associated with the current API Key. No request body is required. Amount examples are fictional and use the smallest ledger unit. operationId: getPendingSettlementBalance parameters: - $ref: '#/components/parameters/XStablePayTimestamp' - $ref: '#/components/parameters/XStablePayNonce' - $ref: '#/components/parameters/XStablePaySignature' responses: '200': description: Query successful. headers: Cache-Control: schema: type: string enum: - no-store description: Balance responses must not be cached. X-Request-ID: schema: type: string description: Provide this trace ID when troubleshooting. content: application/json: schema: $ref: '#/components/schemas/PendingBalanceResponse' example: balances: - currency: USDT amount: 2500 - currency: USDC amount: -100 as_of: 1789084800 '500': description: Internal server error. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: error: code: internal_error message: Internal server error. request_id: example-request-id timestamp: 1789084800 '503': description: >- The balance query service is temporarily unavailable. Retry later with a new timestamp, nonce, and signature. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: error: code: service_unavailable message: >- The balance query service is temporarily unavailable. Retry later with a new timestamp, nonce, and signature. request_id: example-request-id timestamp: 1789084800 components: parameters: XStablePayTimestamp: name: X-StablePay-Timestamp in: header required: true description: Unix timestamp in seconds. Must be within 5 minutes of the server time. schema: type: string example: '1791878400' XStablePayNonce: name: X-StablePay-Nonce in: header required: true description: >- Random string for replay protection, 16–64 characters. A new UUID is recommended for each request. schema: type: string minLength: 16 maxLength: 64 example: 550e8400-e29b-41d4-a716-446655440000 XStablePaySignature: name: X-StablePay-Signature in: header required: true description: >- Compute HMAC-SHA256 over `{timestamp}.{nonce}.{requestBody}` using the merchant API Secret and encode the result as lowercase hex. For GET requests, `requestBody` is an empty string. schema: type: string example: a1b2c3d4e5f6... schemas: PendingBalanceResponse: type: object required: - balances - as_of properties: balances: type: array description: >- Pending settlement balances aggregated by currency. Currencies with a zero total are omitted. Returns an empty array if there are no records. items: $ref: '#/components/schemas/PendingBalance' as_of: type: integer format: int64 description: >- Database observation time for this query, in Unix seconds. This is not a data version and does not guarantee that multiple requests share the same snapshot. example: balances: - currency: USDT amount: 2500 - currency: USDC amount: -100 as_of: 1789084800 ErrorResponse: type: object required: - error - request_id - timestamp properties: error: type: object required: - code - message properties: code: type: string description: Stable business error code. message: type: string description: Human-readable error description. request_id: type: string description: Request trace ID. Not restricted to digits. timestamp: type: integer format: int64 description: Error response time in Unix seconds. PendingBalance: type: object required: - currency - amount properties: currency: type: string description: Currency code. At most one entry is returned per currency. example: USDT amount: type: integer format: int64 description: >- The merchant pending settlement book balance for this currency, in the smallest ledger unit. Negative values are allowed and must be preserved by clients rather than clamped to zero. This is not an available or withdrawable balance. securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: API Key description: Bearer API Key, for example `Bearer sk_live_xxx`. stablepayTimestamp: type: apiKey in: header name: X-StablePay-Timestamp description: Unix timestamp in seconds. Must be within 5 minutes of the server time. stablepayNonce: type: apiKey in: header name: X-StablePay-Nonce description: Random string for replay protection, 16–64 characters. stablepaySignature: type: apiKey in: header name: X-StablePay-Signature description: >- HMAC-SHA256 signature computed using the merchant API Secret, encoded as lowercase hex. ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.